Ulster Savings Bank has been operating without four of its branches as a result of Hurricane Irene.

Offices in Phoenicia, Woodstock and the Main Street branch in Saugerties in Ulster County were closed, as was the Windham branch in Greene County.

Executive Vice President Michael Shaughnessy said if power remains out in Phoenicia and Woodstock Wednesday, the bank will deploy generators to the branches.

The Saugerties branch has electric service, but a felled utility pole in front kept the office closed.

The Windham branch is a different story. Flood waters damaged portions of the building, leaving concerns that it may need to be condemned. "We're looking at alternate sites now," Shaughnessy said.

He said none of the branch contents, including the vault, were lost to the storm.

Shaughnessy said most customers likely already made their August mortgage payments, and there was a 15-day grace period on September payments, so no accommodations were planned for late payments related to the storm.

"Obviously we're a community bank and we always work with our customers," he said. "We're going to work with everyone to the best of our ability."

He said, for example, the bank would not doubt a customer who said he or she tried to make a payment in person but was unable to do so because of storm conditions.